Mortgage Loan Originator

Republic Bank•Georgetown, KY

About The Position

The Mortgage Loan Originator performs a wide range of duties related to the origination of residential 1st and 2nd mortgages. This position is expected to meet standards, objectives and goals set forth by management for originating loans and cross-selling products and services of the bank.

Requirements

Demonstrated high level working knowledge of residential conventional/government mortgage processing, underwriting, and closing guidelines.
Mortgage sales experience required.
Demonstrated proficiency in Microsoft Office programs, Word, Excel, PowerPoint & Outlook.
NMLS registration required
Excellent verbal and written communications skills.
Must be self-motivated and work well in a team environment.
Strong sales technique skills.
Desire to excel in a competitive environment.
Excellent organizational skills.
Requires a high energy level and strong sense of urgency.

Responsibilities

Develop and maintain relationships with Republic Bank associates across various business lines.
Attend and participate in meetings with Republic Bank associates as necessary to support internal relationships.
Develop referral contacts (realtors, builders, professionals, and personal contacts) for 1st mortgage loans.
Maintain all prospect, client, and referral partner information in Republic Bank’s CRM (customer relationship management) software.
Interview clients and gather information pertaining to their unique financial situations, needs and objectives.
Consult with clients about current and future needs to help achieve their financial goals.
Advise and educate clients on the home buying process, financing options and how to better manage their mortgage.
Assist clients through the loan process from application to closing.
Maintain knowledge of available loan products, processing procedures and underwriting guidelines. Collect appropriate documentation from applicants in time frames established by management.
Deliver exceptional levels of customer service and communicate with both applicants and internal support staff with timely updates and progress reports.
Manage a pipeline for all originated loans to the closing.
Execute effective marketing plans to meet or exceed mortgage production goals.
Attend and participate in all mortgage lender meetings and training as required by management.
Learn the credit culture of Republic Bank in order to present appropriate credits for approval.
Maintain a working knowledge of compliance requirements affecting your position and area of responsibilities and actively learn new regulations and assist in the implementation, if required.
Model and foster behaviors that support the Bank’s values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
Willingly perform all other duties and projects as assigned.